Hike on. We’ve got you.

Q: What does HYKE cover?

Your payout depends on the accident and loss. See HYKE Policy Provisions for details. HYKE covers: 1a. Accidental Medical Coverage — cover up to HK$5,000. If you choose Chinese bone-setting or acupuncture treatment, there is a HK$500 deductible per accident. 1b. Extended Accidental Medical Cover: Property Damage — cover up to HK$2,000. For property damage caused by an accident, one personal item is covered up to HK$1,000, for a total maximum of HK$2,000. Each personal property claim has a HK$200 deductible. (Property damage cover can only be claimed together with a successful accidental medical claim for the same accident.) 2. Accidental Death & Permanent Disability — cover up to HK$300,000. If accidental death or permanent disability occurs during a hiking trip, the maximum benefit is HK$300,000.

Q: How do I activate cover?

Open HYKE in the YAS app and tap GO before you start hiking. Tap END when you finish. Protection is active only while your trip is on (up to 6 hours per trip).

Q: Which trails are covered?

HYKE covers 100+ accepted hiking trails across Hong Kong. Check the HYKE map in the app or on the website for trail details before you go. Routes not accepted by the Company are not covered.

Q: What are the major exclusions?

This is a summary only — see HYKE Policy Provisions for full details. General exclusions include pre-existing conditions, self-inflicted injury, war, illegal acts, pregnancy, mental disorders, chronic alcoholism or drug addiction, congenital anomalies, accidents when Typhoon Signal No. 8+ or Black Rainstorm Warning is already hoisted before you activate cover, unaccepted routes, professional or income-earning sports, mountaineering and competition. Special exclusions include hiking with specialised equipment and expeditions or equipped mountaineering. Personal items not covered include money, food, pets, business goods, furniture, tickets, documents, contact lenses, data, hired property and intentionally damaged property.

Q: How do I file a claim?

In the YAS app: Tap Account Tap Past Activities Select the completed trip Tap Claim and upload the required documents If you need help, email rylie@hk.yas.io .

Cover for 100+ Hong Kong hiking trails — up to 6 hours per trip.

5 Hiking Trips

HK$ 75

Valid for 6 months

See coverage

Accidental medical

Personal belongings

Death & disablement

Your hike

Which hiker are you?

Trail challenger, solo or senior — HYKE covers the risks that match your route.

Trail challenger

Steep routes & big days out

Long climbs and rugged trails raise the chance of slips and serious injury.

Accidental medical up to HK$5,000
Death & disablement up to HK$300,000
Up to 6 hours per trip

Solo hiker

Quiet paths, one pack

When you hike alone, a twist or a broken phone can leave you stranded.

Accidental medical up to HK$5,000
Personal belongings up to HK$2,000
100+ HK trails covered

Senior

Steady paces on familiar trails

Enjoy the outdoors with cover for medical bills and damaged gear.

Accidental medical up to HK$5,000
Personal belongings up to HK$2,000
Ages 8–65 with valid HKID

Coverage

Three ways HYKE has your back

Tap a benefit to see a real scenario — and how much you could save.

Accidental medical

HK$5,000

Medical bills from the trail

What happened

On Dragon's Back, Mei slipped on loose rock and twisted her ankle. Chinese bone-setting cost HK$1,000.

Without HYKEYou pay all−HK$1,000

With HYKEHYKE pays+HK$500(Claim amount)Deductible−HK$500

Terms & fine print

1a. Accidental Medical Coverage — Cover up to HK$5,000. If you choose Chinese bone-setting or acupuncture treatment, there is a HK$500 deductible per accident.

Claim within 30 days with trip records, medical report and receipt

You can combine Western and Chinese medicine treatments. Chinese bone-setting or acupuncture is subject to a HK$500 deductible per accident.
Coverage applies only on accepted Hong Kong hiking trails while your trip is active.

Personal belongings

HK$2,000

Gear damaged in the same accident

What happened

While descending High West, Ken fell, injured his wrist, and shattered his phone (HK$1,200 repair).

Without HYKEYou pay all−HK$1,200

With HYKEHYKE pays+HK$1,000(Max per item)Deductible−HK$200

Terms & fine print

1b. Extended Accidental Medical Cover: Property Damage — Cover up to HK$2,000. For property damage caused by an accident, one personal item is covered up to HK$1,000, for a total maximum of HK$2,000. Each personal property claim has a HK$200 deductible.

Claim within 30 days with trip records, damage photos and repair/replacement receipt

Property damage cover can only be claimed together with a successful accidental medical claim for the same accident.

Death & disablement

HK$300,000

Protection when the worst happens

What happened

In a serious trail accident resulting in permanent disablement, the family faces major financial pressure without cover.

Without HYKENo payout−HK$0

With HYKEHYKE pays+HK$300,000(Accidental death & permanent disability)

Terms & fine print

2. Accidental Death & Permanent Disability Coverage — Cover up to HK$300,000. If accidental death or permanent disability occurs during a hiking trip, the maximum benefit is HK$300,000.

Subject to policy terms; claim with trip records and required certificates

Benefit amount depends on the nature of the injury or loss as set out in the policy schedule.
Please refer to HYKE Policy Provisions for detailed exclusions.

Accidental medical

HK$5,000

Medical bills from the trail

Sprains, slips & trail accidents

Cover up to HK$5,000. If you choose Chinese bone-setting or acupuncture treatment, there is a HK$500 deductible per accident.

What happened

On Dragon's Back, Mei slipped on loose rock and twisted her ankle. Chinese bone-setting cost HK$1,000.

Without HYKEYou pay all−HK$1,000

With HYKEHYKE pays+HK$500(Claim amount)Deductible−HK$500

Terms & fine print

1a. Accidental Medical Coverage — Cover up to HK$5,000. If you choose Chinese bone-setting or acupuncture treatment, there is a HK$500 deductible per accident.

Claim within 30 days with trip records, medical report and receipt

You can combine Western and Chinese medicine treatments. Chinese bone-setting or acupuncture is subject to a HK$500 deductible per accident.
Coverage applies only on accepted Hong Kong hiking trails while your trip is active.

1a. Accidental Medical Coverage

Cover up to HK$5,000. If you choose Chinese bone-setting or acupuncture treatment, there is a HK$500 deductible per accident.

Without HYKE:Mei has to pay HK$1,000
With HYKE:Mei only pays HK$500 (deductible)
HYKE pays the remaining HK$500 (claim amount)
(Claim within 30 days with trip records, medical report and receipt)

1b. Extended Accidental Medical Cover: Property Damage

Cover up to HK$2,000. For property damage caused by an accident, one personal item is covered up to HK$1,000, for a total maximum of HK$2,000. Each personal property claim has a HK$200 deductible.

Without HYKE:Ken has to pay HK$1,200
With HYKE:Ken only pays HK$200 (deductible)
HYKE pays the remaining HK$1,000 (max. per item)
(Claim within 30 days with trip records, damage photos and repair/replacement receipt)

2. Accidental Death & Permanent Disability Coverage

Cover up to HK$300,000. If accidental death or permanent disability occurs during a hiking trip, the maximum benefit is HK$300,000.

Without HYKE:No payout from this product
With HYKE:Up to HK$300,000 (subject to policy terms and assessment)
(Claim with trip records, medical / death certificates and required documents)

Trails

100+ Hong Kong hiking trails

Explore covered routes on the HYKE map before you go.

From classic harbour views to quieter country parks — check trail details, length and duration, then activate cover when you head out.

View HYKE map

Trail routes are updated from time to time. Please refer to the route map before activating cover.

How to use

Three taps. You're covered.

Download the YAS app, tap GO before each hike, and tap END when you finish — cover is active only while your trip is on.

Tap GO

Open YAS and tap GO before you start. Your trip activates real-time protection.

Download the YAS app first

Ready to buy your 5-trip pack?

At a glance

Pay per hike, pack included — no annual contract.

HK$15

from / trip

100+

trails

6 hrs

per trip

8-65

ages

Ready for your next trail?

5-trip pack HK$75, valid 6 months. Up to 6 hours per trip. Ages 8–65 with valid HKID.

Claims

How does YAS make claims easier for you?

Upload documents in the app — we keep the process straightforward.

Claim in the app

Upload the required documents and submit your claim in the YAS app — quick and convenient.

Support when you need it

If you have questions, contact the YAS team for help with your claim.

Streamlined claims

Get a claim outcome in as little as 3 working days.

FAQ

Common questions

Quick answers about HYKE hiking cover, eligibility, trails, activation and claims.

Who can buy HYKE?

HYKE is available to people aged 8 to 65 with a valid Hong Kong Identity Card (HKID).

What does HYKE cover?

How do I activate cover?

Which trails are covered?

What are the major exclusions?

How do I file a claim?

Get covered

Hike on. We’ve got you.

Pay-per-hike cover across 100+ Hong Kong trails — from HK$15/trip.